USDA and FHA Pro and Con in Helena-Valley-Northeast, Lewis and Clark County, MT

In 2025, the USDA loan limit in Helena-Valley-Northeast, located in the county of Lewis and Clark, MT is $285,000, while for a single-family home, the FHA loan limit is $356,362.

Utilize Lendersa®'s USDA loan calculator to compare today's top USDA versus FHA rates and work out the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you'll see USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the program in that best fits your unique financial needs.

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2025 Loan Limits and Down Payment Necessities in Helena-Valley-Northeast, County of Lewis and Clark, MT

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Helena-Valley-Northeast, MT

The mission of Lendersa® is to secure the best possible USDA or FHA loan for you quickly and effortlessly. Choose one of three initial points leading to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Exploring USDA Loans in MT

A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and is restricted to rural neighborhoods. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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